| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | EXCELLUS BLUE CROSS BLUE SHIELD | $60K | — | $60K | 3.97% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY, INC. | P.O. BOX 542 NEW HARTFORD, NY 13413 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $2K | $4K | 6.08% |
| ALISHA K ROBINSON3 Filed as: ALISHA ROBINSON | P.O. BOX 272 OLD FORGE, NY 13420 | AFLAC | $612 | $10 | $622 | 4.55% |
| MICHAEL P FARLEY3 Filed as: MICHAEL FARLEY | 5586 MAIN STREET WILLIAMSVILLE, NY 14221 | AFLAC | $558 | $4 | $562 | 4.11% |
| ANGELINA CONCIALDI3 | 4 RUMSEY ROAD BUFFALO, NY 14209 | AFLAC | $201 | — | $201 | 1.47% |
| KIMBERLY A BLOISE3 Filed as: KIMBERLY BLOISE | 5056 W. SHOREWOOD DRIVE DUNKIRK, NY 14048 | AFLAC | $149 | — | $149 | 1.09% |
| ISADORE BARLOW3 | 1004 HAVENBROOK DRIVE MORRISVILLE, NC 27560 | AFLAC | $146 | — | $146 | 1.07% |
| JEANNE K BLOISE3 | 432 ALDER STREET OLEAN, NY 14760 | AFLAC | $141 | — | $141 | 1.03% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CALARCO | P.O. BOX 130 AUBURN, NY 13021 | AFLAC | $132 | $2 | $134 | 0.98% |
| SHANE STICKLE3 | 6787 VAIL DRIVE HAMBURG, NY 14075 | AFLAC | $93 | $1 | $94 | 0.69% |
| GREGORY A KRAUZA3 Filed as: GREGORY KRAUZA | 35 E. MAIN STREET SUITE 2 FREDONIA, NY 14063 | AFLAC | $92 | — | $92 | 0.67% |
| SHANE F LAMAY3 Filed as: SHANE LAMAY | 6311 ATRIUM DRIVE SUITE 204 LAKEWOOD RANCH, FL 34202 | AFLAC | $90 | — | $90 | 0.66% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $78 | — | $78 | 0.57% |
| STEVEN DALABA3 | 7683 SEDGEWICK RIDGE ROAD LEWISVILLE, NC 27023 | AFLAC | $51 | — | $51 | 0.37% |
| MARY FRANCES CARLTON3 Filed as: MARY CARLTON | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $51 | — | $51 | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | AFLAC | $46 | — | $46 | 0.34% |
| GREGORY D MAZUROWSKI3 Filed as: GREGORY MAZUROWSKI | 156 DEER RIDGE GETZVILLE, NY 14068 | AFLAC | $32 | — | $32 | 0.23% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY | 210 CLINTON ROAD NEW HARTFORD, NY 13413 | AFLAC | $25 | — | $25 | 0.18% |
| GIBIDES INC3 | P.O. BOX 331 ROYERSFORD, PA 19468 | AFLAC | $21 | — | $21 | 0.15% |
| JEFF DALABA3 | 8500 GILLY FLOWER COURT BALDWINSVILLE, NY 13027 | AFLAC | $17 | — | $17 | 0.12% |
| TODD HENNESSY3 | 78 GARDEN COURT BUFFALO, NY 14226 | AFLAC | $16 | — | $16 | 0.12% |
| DAVID GIBIDES3 | 2305 LIBERTY COURT NORRISTOWN, PA 19403 | AFLAC | $15 | — | $15 | 0.11% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT | 276 FAIRPORT VILLAGE LANDING FAIRPORT, NY 14450 | AFLAC | $14 | — | $14 | 0.10% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BOULEVARD LATHAM, NY 12110 | AFLAC | $11 | — | $11 | 0.08% |
| AMY S. HERMAN3 Filed as: AMY HERMAN | 11646 FLETCHER CHAPEL ROAD MEDINA, NY 14103 | AFLAC | $7 | — | $7 | 0.05% |
| TED COLUCCI3 | 299 WISCONSIN STREET ROCHESTER, NY 14609 | AFLAC | $7 | — | $7 | 0.05% |
| KELLY A IRVINE3 Filed as: KELLY IRVINE | 15801 WHITE ORCHID LANE FORT MEYERS, FL 33908 | AFLAC | $4 | — | $4 | 0.03% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.03% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AFLAC | $2 | — | $2 | 0.01% |
| LAURA ANNE CALARCO3 | 340 HORSE CREEK DRIVE APT 2 NAPLES, FL 34110 | AFLAC | $2 | — | $2 | 0.01% |
| RUSSELL T BARRETT3 Filed as: RUSSELL BARRETT | 27 JULIANS WAY SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.01% |
| LAURIE SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID B PERLEE3 Filed as: DAVID PERLEE | 1989 NEPTUNE DRIVE ENGLEWOOD, FL 12845 | AFLAC | $1 | — | $1 | 0.01% |
| DUCK & COVER NY INC3 | 17 DALAMAR COURT LATHAM, NY 12110 | AFLAC | $1 | — | $1 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 129 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 107 | $72K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 107 | $72K |
| Other | AFLAC | 25 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.